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damp but not wet

Is there an online list or schedule or chart that I could use to help me decide when to stop paying for total coverage on my truck and/or motorcycle? It seems like it might be a good idea to scale it down, but I don't know.

It was raining moderately this morning, and since I ride my bike it gets a little wet. Actuall even if it's just drizzling I get drenched and if I don't wear glasses I can get some bodacious eye damage from raindrops. I grabbed a hand-towel to sit on and my baja blanket, and draped it across my lap like somebody's grandma. I don't know how it stayed put while riding, but it kept most of my legs dry.


( 3 comments — Leave a comment )
May. 22nd, 2007 06:45 pm (UTC)
Oh..its pretty easy. Just determine the blue book value of the truck and special components, then determine if the premium justifies it. Is there a formula or chart anywhere to determine this? I don't think so.. I've looked before.
May. 22nd, 2007 06:49 pm (UTC)
I imagine it depends on how many claims you've made,is the vehicle worth repairing if it gets mangled and if the bank accounts are fat enough to cover the price of another vehicle. I dropped full coverage on my stuff as soon as it was paid off. I have no problem driving around beaters.

May. 22nd, 2007 08:37 pm (UTC)
I bought the truck outright in 2001 and I've only made 2 claims on it (one was just for injecting a windshield chip). I dunno if a 6-year old truck is worth doing major repairs on. I could easily buy another truck outright if I needed to but of course I'd rather not. I could stand to repaint the truck and bondo out some dents, but otherwise nothing really needs to be done on this thing.
( 3 comments — Leave a comment )